It’s Not You. It’s My Insurance.

“Don’t Call Me… I’ll Call You,” are the famous last words of a patient who has just completed their last covered visit in your office. Often, cost-conscious patients are focused on their out-of-pocket expenses and not the value of the care they receive in your office. In fact, the lack of a financial report-of-findings in many offices across the country leaves patients to determine what their out-of-pocket expenses for future visits on their own, by reviewing their EOBs.

Does this sound familiar? Mrs. Smith comes into your office for low back pain. She has a $50 co-pay under her BCBS plan. You recommend a treatment plan of 30 visits, 15 of which BCBS will cover. Mrs. Smith receives an EOB with charges per visit totaling $115 per visit. Mrs. Smith is now aware that her $50 visits (with insurance) will quickly turn into $115 per visit once her insurance runs out. Lo and behold, on visit 15 her low back pain is improved. In fact, she hardly notices it all and lets the front desk know that she is feeling much better. Rather than making another appointment, she says she will call your office IF she needs to come back in.

Even the most devoted chiropractic patients are likely to focus on finances instead or results when it comes to the care in your office. That is why a Financial Report of Findings (FROF) is essential to the success of any chiropractic office and necessary to prevent patients from running out when insurance benefits are exhausted. The best way to keep patients happy, improve clinical outcomes, and enhance collections in your practice, is to clearly and openly discuss your fees and payment policy up front. By conducting a formal Financial Report of Findings in your office, you can clearly outline your treatment plan and the patient’s estimated out-of-pocket expenses. If you provide ways to make the care affordable, you have a win-win situation.

ChiroHealthUSA is a simple, compliant and profitable way to offer affordable care to your patients for their non-covered services or when insurance is no longer available. ChiroHealthUSA is a Network that works in conjunction with a Discount Medical Plan Organization (DMPO.) ChiroHealthUSA helps you provide legal and compliant discounts to your patients, often with fees the same, or even less, than their insurance co-pays. It costs the provider nothing to join the network and patients pay only $49 a year, which includes all legal dependents, and YOU get to set your own discounts.

Patients need and want care or they wouldn’t come to your office. Provide a thorough consult and exam, then offer a simple, compliant, Financial Report of Findings and you will find that more and more patients will stop running out along with their insurance. We offer some free tools you can use to show patients how you can help keep their care affordable whether they have insurance or not. To download our simple 1-page financial policy, a simple 1-page financial report of findings, and to learn how to create compliant care plans, CLICK HERE.

Maintaining a Compliant Practice During a Natural Disaster Dr. R. A. Foxworth, FICC, MCS-P
With the recent wildfires in the Northwest U.S. and the destruction left by hurricanes Harvey, Irma, and Maria, providers are left wondering how to maintain a compliant office while facing the wrath of mother na...

Disclosures

This discount medical plan is NOT insurance, a health insurance policy, Medicare prescription drug plan or qualified health plan under the Affordable Care Act. This plan (The Plan) provides discounts only on chiropractic services offered by providers who have agreed to participate in The Plan. The range of discounts for medical or ancillary services offered under The Plan will vary depending on the type of provider and products or services. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The member is required and obligated to pay for all discounted chiropractic services and equipment received under The Plan, but will receive a discount on certain identified chiropractic services from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., 2711 North Haskell Avenue, Ste 800 Dallas, TX 75204-2999. You may call 1-888-719-9990 for more information or click here for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Plan are specified in the membership agreement. The Plan includes a 30-day cancellation provision. Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. Not available for sale in the state of Washington.

This discount medical plan is NOT insurance, a health insurance policy, Medicare prescription drug plan or qualified health plan under the Affordable Care Act. This plan (The Plan) provides discounts only on chiropractic services offered by providers who have agreed to participate in The Plan. The range of discounts for medical or ancillary services offered under The Plan will vary depending on the type of provider and products or services. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The member is required and obligated to pay for all discounted chiropractic services and equipment received under The Plan, but will receive a discount on certain identified chiropractic services from providers in The Plan. The Discount Medical Plan Organization is Access Plans USA, Inc., 2711 North Haskell Avenue, Ste 800 Dallas, TX 75204-2999. You may call 1-888-719-9990 for more information or click here for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Plan are specified in the membership agreement. The Plan includes a 30-day cancellation provision. Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. Not available for sale in the state of Washington.